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Five most costly cities for expatriates living abroad

When talking about cost-of-living overseas for expatriate employees, it is not just exchange rates of currency, cost of food or groceries, but also housing costs. According to a recent Forbes’ survey result, the five most expensive real estate markets are Hong Kong, Mumbai, Beijing, Shanghai and London. In this article, we will discuss the five most costly cities for expatriates living abroad.

  1. Hong Kong, CHN

Hong Kong is considered one of the most successful financial centres around the world. It owns advanced medical care system,  promotes an active lifestyle and provides an excellent educational system. According to the Demographia International Housing Affordability Survey of 2016, Hong Kong‘s property market is the world’s most unaffordable. As stated in Mercer‘s Cost of Living Survey, Hong Kong is the most expensive in the Asian Pacific region. According to a local real estate site HongKongHomes.com, you should expect to pay around HK$ 55,000 per month (equivalent to ~ USD $7086.4 monthly) in order to rent a two bedroom, two bathrooms apartment with a saleable area of 953 sq.ft. If you would like to own the apartment, the price increases to HK$ 24,000,000 (~ USD $3,092,245.44).

2. Mumbai, IN

Surrounded by sea on three sides, Mumbai is the most populous city on the west coast of the Indian peninsula. Mumbai is listed among the most costly cities to buy real estate in. As being one of the most international cities of India, Mumbai has pleasant weather and advanced health care facilities. With job opportunities offered, increased expatriate migration and investment buyers that are willing to reside in the city has consequentially driven up the demand for property in Mumbai.

3.Beijing, CHN

Beijing Expat Insurance

The second Chinese city that is considered to be one of the most expensive cities in the world to live in as an expatriate is Beijing. Beijing is China’s capital, as well as its political and cultural centre. Known for its influential culture, Beijing has been known to be an extremely popular destination for expatriates moving overseas. According to the National Bureau of Statistics of China, Beijing is in continuous demand for real-estate investments, resulting in increasing high costs of living. Apart from real-estate costs, Beijing also has one of the most expensive healthcare systems, especially for non-native residents.

4. Shanghai, CHN

The third Chinese city that has made its way to be one of the leading most expensive cities in the world to live in is Shanghai. Located on the central coast of the country, Shanghai has become one of the leading financial hubs of the world. The importance and ability to conduct business in Shanghai have transformed the city to be an expatriate hot spot. With continuous growth and demand, the cost of living has skyrocketed in the last few decades. Don’t be surprised to see an average, furnished one-bedroom apartment costing $3,000 CAD/month.

5. London, UK

London has long been one of the most popular, and therefore most expensive cities to relocate as an expatriate. London is known for its rich history and remarkable agriculture, as well as being a city that can please all needs. Whether you are interested in art, culture, food or adventure, the city has it all. As a leading destination for expatriates, the significant increase in population has caused a substantial surge in living expenses, such as accommodation, transportation and food & entertainment.

 

If deciding to relocate to one of the above cities, it will be very important to ensure that you have proper medical coverage while abroad. Living in one of these cities will cost you a substantial amount of money, you’ll want to ensure that you don’t have to worry about any unforeseen medical expenses. At Expat Financial, we can offer a wide range of expatriate health insurance plans designed specifically for expatriates of any nationality around much of the world. For additional information, contact us at info@tfgglobal.com or click here for a quote today! 

 

Becoming a Global Citizen

The opportunity to live a life as a global citizen is one that is appealing to many people. It involves a life of adventure and new experiences. If deciding to become a global citizen, it is important to understand what it takes to successfully take on the opportunity in which you are given and facilitate the transition period. Let’s dive into what it means to be a global citizen.

Health considerations

As many concerns arise about making the decision to become a global citizen, health considerations are likely to be at the top of your priorities before moving. Taking care of your health while living abroad will be one of the most important and crucial steps to ensure a successful and blissful lifestyle.

Global health insurance is highly recommended for anyone living or travelling abroad. The advantages of global health insurance go far beyond basic medical care. It will alleviate any added stress or concerns about medical coverage while travelling abroad, as well as facilitated payments, coverage regions and standard of care.

At Expat Financial, we offer plans from basic in-hospital plans to in-hospital and out-patient plans. We are able to provide various plans from several different insurance companies in order to find the right fit. Contact us today by email at info@tfgglobal.com or click here for a free online quote. 

global medical

Culture adaptations  

Depending on where your global adventures take you, there is a high chance that you will be relocated to a country that will likely lead to a degree of culture shock. The important thing here is to stay as open-minded as possible. Locals will gladly teach you their culture and welcome you into their country, as long as you are willing to immerse yourself in the community.

A useful type for overcoming culture shock is to learn the local language as well as possible. This will allow you to engage with more locals and feel less alienated when exploring and appreciated the new city in which you call home.

Location is key

When it comes to choosing where you want to relocate, there are many different considerations to remember. First, it will be important to understand the local culture and what it will mean to connect with the locals as an expatriate.

A second aspect that is very important will be to find an area that has low crime rates for your safety – whether that is choosing, in general, a safe city or specifically a safe neighborhood. Explore our region & city guides to discover which regions are the best fit for you!

A third factor that is important in choosing a location will be to know what the tax policies are for your incoming country. Many countries have different ways in which they tax their local employees, and as an expatriate living abroad, it will be very important to know the local taxation policies.

Get involved in local politics and policies.

As important as it is to immerse yourself in a local community, it will be equally as important to immerse yourself in the local politics and policies that are relevant to your new home. Knowledge of local politics will help you understand a multitude of important factors, such as taxation, governance, community values and elections, as these will all be crucial in your development in the community.

It is important to note that it is not recommended to get involved in politics in all countries, and it is important to research beforehand and look into political stability before diving into local politics, especially if you are not a citizen of your new country. Getting involved in politics as an expat in many countries, especially ones with little or no human rights protections, can be very dangerous.

Apart from local politics and policies, we also recommend having a general understanding of global politics, specifically with countries that directly affect your new city. This will allow you to stay aware of external factors and policies that may alter the way in which you engage with your community.

Keeping in touch

Lastly, after making the decision to become a global citizen, it will still be important to stay connected with your roots back in your home country. This can come with many challenges, including adjusting to time zones, whether or not you are in a Wi-Fi efficient zone or keeping this priority top of mind. It is important to keep in touch with members back in your home country in order to maintain and facilitate the transition, as well as keeping in touch with your own mental health.

 

The fundamentals of becoming an expatriate

There are numerous reasons as to why someone will make the decision to relocate to a new country and become an expatriate. The decision can be an inbound decision of wanting a new life of adventure or you are being relocated due to your job. Regardless of the reason, there are an abundant amount of benefits for making the move. The term expatriate is often misinterpreted and we are here to help you understand what it means to be an expatriate and how we recommend preparing for your new life.

What is an Expatriate?

An expatriate is considered as anyone who is living outside of their native country – meaning the country in which they were born and/or brought up in. Expats that are living overseas can be considered in a permanent, semi-permanent or temporary placement, depending on the expats’ specific situation.

When relocating abroad, regardless of the reason for moving, there are plenty of considerations to think about beforehand. Some top priority factors are to determine where your income will derive from, are you living in a safe area, how to attain housing, are you moving somewhere with a different language than your native tongue, whether or not you need a visa, and how does the medical care system work in your new country. We have created a small guide to answer some big-picture questions that are crucial to know before your big relocation.

Visa requirements

Most countries will require a visa in order to become a local resident, and the process and availability will be dependent on your country of origin, as well as the inbound country. It is very important to understand all the factors and limitations of your visa before moving. More often then not, a work visa will have a longer period of validity in comparison to a visitors visa, resulting in a more stable duration of stay.

Adapting to local culture

Your international relocation may bring you to a country that is vastly different than your home town, whether that be in Africa, Asia, Europe or South America. Each region and country around the world has it’s own unique offerings to you as an expatriate, and it will be important to learn and appreciate how differently things are done. One aspect that will greatly benefit you as an expatriate will be to learn the local language as well as possible. Learning a new language has many benefits and challenges, and in the end, it will greatly improve your experiences in the new country. The more you adjust and dive into the culture and experiences of your new home, the easier it will be for you to adjust and enjoy your time away from home.

The benefits of Expatriate health insurance

Countries all around the world vary in healthcare, in cost and standardization and care. As an expatriate living abroad, you will want to have the best healthcare coverage as possible. In most circumstances, countries will require expatriates to obtain a global medical coverage plan for extra protection, as most expats won’t be covered under a domestic plan. A comprehensive global medical plan that can move with you and cover you locally, regionally and globally – especially back home will be critical.

A major benefit of a global medical health care plan is the ability to cover other dependents as well – whether that be a spouse or children. Obtaining the best care for yourself and your family will be extremely important as you choose to live an expatriate life.

Domestic government health plans often only provide access to public hospitals and doctors. This may become problematic as you will have more restrictive access to medical care. In order to avoid the complications of long wait lines, extra costs of medical testing and surgeries, most expats will seek out a global medical care coverage in order to have access to private hospitals, doctors and clinics.

The keys to success

As rewarding as living an expatriate life can be, there will surely be some obstacles along the way. Here are some suggestions in order to get the most out of your expatriate experience.

  1. Appreciate the cultures and languages of your new country! Many people will never be given the opportunity to travel and live the way you are, so make sure to take the time to dive into new cultures, meet the local populations and learn to appreciate the way of life that is different than your norm.
  2. Moving abroad is the perfect opportunity to do a major clean out of your house! Deciding what to pack when moving abroad can be a stressful and tedious experience, however, it is an excellent opportunity to purge out old household items and clothing that you don’t need!
  3. As you are becoming an expatriate, it will be important to engage in an expatriate community as well as the local natives. There are several benefits to relying on other expats, including learning from their past mistakes and suggestions, as well as their knowledge on conducting business and creating a social life in a foreign land.
  4. It will also be important to know about your countries taxation policies. As all countries differ in tax legislation, it will be important to be up to date on your tax status and whether double taxation agreements are in place between the two countries.
  5. Lastly, obtaining your international health insurance before relocating, or within the first few days of moving will be crucial. This will alleviate a large amount of unnecessary and added stress that is preventable in order to protect yourself. At Expat Financial, we are able to meet the growing needs of expatriates living around the world who require global healthcare coverage for themselves and their families. To view available international health insurance plans available, click here!

 

How expats can work from home – 5 tips for expatriates living abroad

The idea of working from home can be exciting. And many expatriates will decide to work from home while living and travelling abroad. This is especially important for expat spouses who are living with their partner who is employed but are unable to work in the new country for a variety of reasons, such as work visa issues. However, there are many inherent concerns and challenges to working from home. In this article, we will discuss five tips for expats who decide to work from home while living overseas.

Benefits of working from home

It is easy to understand why working from home has become so popular. The freedom to control over your schedule, the flexibility in pursuing personal interests, and keeping down the cost of commuting.  To many people, it is pleasant to begin their day as early as they wish, so they’re working when they are most efficient and alert to perform their jobs.

Working from home opens up more opportunities for career growth and personal satisfaction. Here’s a practical guide to excel under minimal supervision:

Make Sure You Set Goals 

It is essential to set goals if wish to work from home, especially during the change of family dynamics while living abroad. You will want to break goals down into small daily goals and identify what daily expectations must be to achieve them. It is important to concentrate your efforts if you’re going to achieve your goals.

Avoid Distractions

To avoid an infinite number of distractions while working from home, it is critical to set up a professional home-based office to stay focused on your daily tasks. It is ideal to have a reliable computer with quality internet, printer, business phone and general office supplies. All these items will increase your productivity and save your time.

Another suggestion would be a pair of noise-cancelling headphones. All the outside and inside noises can ruin your day. Construction noise, traffic sounds, even the TV sounds are annoying. Therefore, it is wise to choose a pair of noise-cancelling headphones while working from home.

Work and Exercise Balance 

It is important to get out of your home office and do some exercise. Instead of sitting in front of your computer all day long. Take a short walk outside your house during the day or head to the gym for an hour workout. It will make a massive difference to your emotional and physical well being, as you will have the chance to connect with people, or even socialize with other groups of people who work from home.

Update Your Colleagues Often 

Consistently updating your colleagues will help lower your stress level and will you kee you from feeling that you’re falling behind. Many work-from-home professionals know that they don’t have to do it all alone. Using an online file sharing system such as Dropbox, will allow you to update your colleagues or teammates in real-time. It will also eliminate the problem of working with outdated projects.

Don’t Forget International Health Insurance 

For work-from-home professionals living abroad, it is important to note that you will most likely be responsible for obtaining your own international health insurance plans as you might be working for yourself or may not be supported by an employer. Additionally, the country you live in may have little or no medical coverage and may not provide adequate healthcare facilities. However, some expat employers will employ people working abroad, especially in IT roles.

Domestic health plans may not even cover you or will only cover you in that one country, which is not ideal if you wish to travel or obtain health coverage abroad. You will probably lose your current health plan coverage if you live abroad or it may not cover overseas travel. If you have questions about our international medical insurance plans or you want to discuss your needs and produce a customized quote, please contact us or complete the quote form. Also, don’t forget to obtain individual life and disability coverage as well if you are a work-from-home professional.

Top 10 common international health insurance mistakes for expats

If you are an expatriate and searching for global health insurance plans, it is critical that you select the right plan for you and your family. Without an appropriate health insurance plan, you may be putting your health and finances at risk. To help you make the best choices, in this article, we will discuss steps to avoid the common health insurance mistakes that expatriates sometimes make. The following common mistakes and advice relate to both individual and corporate expat health plans. Remember, we all make mistakes, but when it comes to expat healthcare, it makes sense to read the points below to help avoid the following:

Mistake #1: Not choosing a plan that can cover a pre-existing medical condition

If you or your family member suffer from a medical condition, one of the most critical questions to ask of any health insurance plan is whether it would cover pre-existing medical conditions. Most of the insurers will exclude pre-existing medical conditions; however, some will charge an additional premium to approve the application, but this depends on the severity of the medical condition. For example, how serious the condition is, how long you have been treatment free and the potential costs of treatment. There is usually an exception for group plans because the risk is spread among healthy and unhealthy people – such group plans can often cover pre-existing medical conditions if the number of employees covered is large enough (usually 10 or 20 employees.)

Expat Financial works with global medical insurance companies who can provide full coverage for pre-existing medical conditions on the medical coverage for both the employees and dependents if the employer has more than 25 or 30 global employees – including both expats and local nationals. These excellent insurance plans can even provide full coverage for an expat group of only two or three expat employees. This is a significant advantage for any expat employer as almost all employees or dependents, especially older ones, will have at least one medical condition. To learn more, please contact us or obtain a free quote online.

Mistake #2: Obtaining a domestic policy

Some expatriates purchase health insurance plans that don’t provide them with an adequate amount of coverage when living and travelling abroad. Domestic government health plans usually provide coverage to access to private medical facilities. These plans are usually basic and will not allow for treatment outside your home country and are also not portable if you move to a new country. Therefore, expatriates will want to purchase international health insurance plan that covers them locally, regionally and globally. Most international health insurance plans will provide in-patient medical care, outpatient medical care, specialists care, routine scans, etc. If you are relocating to a region with limited medical services, you can select the medical evacuation option. Most of the global medical plans will offer dental and vision options. Finally, don’t overly rely on your health policy back home, as it probably doesn’t cover you abroad.

Mistake #3: Assuming you are young and healthy and don’t require cover

If you assume that you and your family are healthy and don’t need to obtain health insurance, you are putting your health and finance at risk. This is especially true in situations such as maternity care, cancer, accidents and emergency evacuation. Medical expenses in both developing and developed nations can be extremely expensive, and you don’t want to go bankrupt because of uninsured medical fees.

Mistake #4: Not obtaining maternity coverage

Maternity care in private hospitals in many countries can be very expensive. It is vital to obtain maternity coverage if you are planning to become pregnant as an expatriate. Most plans have a 12 month waiting period before maternity related expenses will be covered. We often get calls from expatriates who are currently pregnant and want coverage for that birth, but for individual expatriates this is not possible as you would have to have obtained a global medical plan that covered pregnancy and new child at least 12 months prior to conception. If your child is born with health issues, the baby will have to medically underwritten as a new applicant if maternity coverage was not in force 12 months prior – this can be a huge liability. If you are planning to have children or if there is a possibility that you may become pregnant, it is vital that your global health plan includes maternity care

Mistake #5: Not obtaining evacuation coverage

Emergency evacuation is another critical part of any expatriate’s medical coverage, especially if you are residing in a developing country where local medical facilities are not up to western standards. It will ensure you have access to high-quality medical facilities in the event of a medical emergency. Ambulances, helicopters, planes and travelling medical care can be incredibly high if you are not adequately insured. For many expats in the Caribbean for example, there are some excellent medical facilities, but an expat may have to obtain medical care in the USA for more serious medical conditions.

Mistake #6: Obtaining the cheapest global medical plan

Another mistake that expats sometimes make is choosing a plan based on price alone. If it is a lot cheaper than most plans in the market, there is probably a good reason for this. We are all guilty of looking for a good deal, but selecting the right plan is paramount when it comes to global medical insurance. If you are living or working overseas, you want an insurance plan that is going to be there when you need it. Quality is extremely important. Our most comprehensive policy with excellent service is the Cigna Global plan we offer on our website. We provide the same coverage and price, and you get the benefit of our agency support both before and after you purchase – we are your advocate.

The premiums of expatriate health insurance plan depend on a variety of factors. These factors help the international health insurer determine your initial and renewal premiums. Before picking an international health insurance plan, you should carefully consider co-pays, co-insurance or deductible level, depending on your health care needs. Don’t pick a plan just because of its low premiums. In fact, there are some ways to lower your health insurance premiums while still obtaining first-class access to your desired coverage level. Please read the blog article How to lower your global medical insurance premiums – Five tips for expats to learn more about it. Contact us to discuss your requirements and obtain quotes from the market.

Mistake #7: Not telling the truth on an application

Some expats may suffer from a pre-existing medical condition and not disclose it to the insurer. This is a serious mistake as it will allow the insurer to invalidate all your claims and terminate your insurance policy. Insurers will find out eventually, and it is vital that you provide full disclosure of your health when you complete the application online or offline. Insurers will often write to your doctor to confirm your medical health before or after a policy is taken out, so make sure you tell the truth when applying. If you have a condition, disclose it and provide as much detail as possible along with reports, tests and it is possible that the condition will be covered, depending on the insurer and the condition.

Mistake #8: For Americans, not obtaining a plan that covers treatment in the USA

Some American expats do not obtain a plan that covers medical treatment back home. If you are an American expat, there is a good chance you will want a plan that will allow you medical treatment back in the USA where you have family, friends and other support groups. Yes adding US care to your policy will cost you more, but surprisingly for some plans that cost is quite minimal – especially the Cigna Global Health Options plan we offer online.

expat healthcare if critical

Mistake #9: Not purchasing a plan that covers drugs

If you are an expatriate taking prescription drugs for short-term or under chronic medical conditions, it is vital to obtain prescription drug coverage. Many countries have very expensive drug costs, especially when treating major illness drugs or using a new drug. Many drugs, especially biologics, are extremely expensive so it is essential to purchase a plan with prescription coverage.

Mistake #10: Not checking the fine print

International health insurance is complicated and can be confusing for expats who are living and working abroad. We are all guilty of not reading the fine print or policy coverage details. It is essential when you are purchasing a global medical plan that you carefully read the fine print of the global medical policy. This can also include checking the medical network and administration details of the provider.

Expat Financial offers several global insurance plans that will provide excellent drug coverage for expatriates who are living abroad. Some of the global medical plans we offer can even cover local nationals in select countries. The international health plans from providers such as CignaMSH and IMG can provide prescription drug coverage for most expatriates. You can get a quote online and apply for the individual expat health plans we offer.

 

Digital nomad career options while living abroad as an expat

Digital nomads are often referred to as people who earn income remotely and mostly online, rather than from a permanent physical office. Today, digital nomads can be found in many industries such as writing, IT, media, tutoring, medical service, blogging, consulting and more. For expatriates living and traveling abroad, the flexibility and freedom of a digital nomad is the ultimate global lifestyle. In this article, we will discuss why expats are becoming digital nomads along with the careers that are ideal for this exciting lifestyle.

Why So Many People Are Eager to Become Digital Nomads – A Freelance Career in a Globalized Economy

One of the main advantages of the digital nomad lifestyle is the freedom to travel and live in new places without restrictions. This is especially attractive to expatriates who are already living overseas. Expatriates working as a digital nomad can earn money as they travel and may be open to more career opportunities. For expat spouses living abroad with their employed expat partners, a digital nomad career is often a perfect solution for not having permission to work in the new destination country.

Another reason why people become digital nomads would be differences in currency values and cost of living. For example, if you are earning US dollars and living in Thailand, you will benefit from the currency conversion as $1 USD equals to $34 Thai Baht. Therefore, your income could lead you to a better quality of life and let you have more time for leisure. As would be expected, the cost of living in many developed and third world countries can be at a fraction of the costs of living in North America or Europe.

Digital Nomad Career Options for Expats

We have compiled a list of you will need to acquire the right skills & contacts. Please check the list of skills & careers that are ideally suited for expatriates living abroad:

  • Computer-Based Expats: As online businesses are growing much faster than traditional retail stores, eCommerce website platforms are in great need. Learning computer skills doesn’t mean you have to become a programmer. If you start to learn the basics of web page design, you will be able to develop a website for clients in a few weeks. You don’t need to know how to code, and there are many website templates available. Lastly, you will need a laptop with fast internet access.
  • Travel Writer: To write well about travel requires passion and local friends. Travel writing does not just include destination tour guides or hotel recommendations; it is all about the stories and experiences during your stay. Many travel writers start their writing on a blog site. From there, some of them get offers of book publishing and may even be offered free travel. It is recommended to use social media such as Facebook, Twitter and Instagram to connect with your potential readers and editors.
  • Writing – copy-writing: To become an online freelance copywriter requires proven similar work that you’ve done before. Additionally, you must be able to identify your ideal clientele that may be scattered around the globe. Search engine optimization (SEO) is a much sought-after skill, so there is an excellent demand for online content copywriters, such as website copy-writing, SEO copy-writing, and other forms of social media writing. Make sure to find out what type of copywriter you want to be and understand the role you are applying for, then pitch yourself to an ideal client.

  • Consultants: If you are knowledgeable and experienced on a particular subject, then to become an online freelance consultant would be a good choice for digital expats. Popular industries and sectors of online consultants including education, music, marketing, accountancy, security, engineering, human resources, science and finance. In some sectors, a consultant may be required to develop a customized report and presentation online. To become an external online consultant, you may need to acquire the specific certifications and qualifications and choose your target market wisely.
  • Social Media Expert: Nowadays, almost every company realizes that they need social media specialists for content marketing and multimedia management. If you know social media channels and campaigns, such as Facebook campaigns, email marketing, and social advertising, you may be able to get a job as a freelancer while living overseas. Many clients won’t mind that you are a digital nomad.
  • App Developer: This type of work requires solid software development skills and knowledge such as SQL, JavaScript, C# or C++, Python, etc., no matter you are building mobile Apps for either the Android platform or Apple’s IOS system. There are short intense programs to teach future programmers skills and knowledge in as short as 8 to 12 weeks. However, to become an App developer requires consistency and long working hours. Some of the most popular careers in App developing include IOS for creative enterprises and mobile cloud computing with Android.

  • Translator: If you speak at least two languages including your native language, a career in online translator might just for you. There are many kinds of translation works such as novel translation, movie translation, legal documents translation and conference/specialized material translation. One of the first steps to become an online translator is to get accreditation or certification. If you have a specialty in fields like electronic engineering, computer science, or biology, then you may even have the advantage of translating technical documents.
  • Web Site Development: SEO (Search Engine Optimization) and SEM (Search Engine Marketing) specialist careers are ideally suited to digital nomad experiences – it is often viewed as a great self-employed business to run from almost anywhere. In addition to web and computer knowledge, you will also need analytical skills to deliver the results.
  • Graphic Design: Using a wide range of media and software such as Photoshop, Illustrator, etc. to design visual layouts and corporate magazines can make you a digital nomad and work anywhere you want, especially you have proven graphic designing experience. It’s a job that can easily be completed anywhere in the world with good internet access.
  • Online Teaching: As the English teaching market is growing, it is a great way to travel and become an expat English teacher. Compared to traditional in-classroom teaching, online teaching has many advantages such as flexible and efficient. Online teaching allows you to teach from anywhere. Learning English is very popular in Asia. If you are a native English speaker, the possibilities are endless.

 

Don’t forget International Health Insurance if you are a digital nomad

For digital nomads living abroad, it is important to note that you will be responsible for obtaining your own international health insurance plans as you won’t be supported by an employer and the country you live in may have little or no medical coverage or even adequate healthcare facilities. Domestic plans may not even cover you or will only cover you in that one country, which is not ideal if you wish to travel or obtain health coverage abroad. You will probably lose your current health plan coverage if you live abroad or it may not cover overseas travel. If you have questions about our international medical insurance plans or you want to discuss your needs and produce a customized quote, please contact us or complete the quote form. Also, don’t forget to obtain individual life and disability coverage as well if you are a digital nomad.